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EXUS, a global leader in debt collection and credit risk management software, organized the EXUS Executive Forum under the theme “Transforming Debt Collection in Thailand: AI, Innovation & the Future of Credit Risk.” The event brought together executives from leading financial institutions, regulatory bodies, and technology leaders to discuss approaches for elevating Thailand’s debt management infrastructure amid rapidly changing economic contexts and new data and AI regulations.
The event reflects EXUS’s commitment to supporting Thai financial institutions in leveraging AI technology and automation to enhance operational efficiency, increase transparency, and elevate the country’s credit risk management capabilities. EXUS believes that collaboration between the financial and technology sectors will play a crucial role in creating a fair and sustainable debt management system.
The forum featured distinguished speakers, including Mr. Manop Sangiambut, Chief Executive Officer of Auto X, who shared insights on “Balancing on the Edge,” followed by a panel discussion on “Refining Collections in Thailand Economic Pressures, Global Practices and the Power of AI.” Panelists included Mr. Siva R Krishnan, Chief Risk Officer of Card X, Mr. Colin Dinn, Managing Director of Platinion BCG, Mr. Tana Pothikamjorn, Chief Executive Officer of Kasikorn Line, Mr. Dimitris Papadopoulos, Chief Al Officer of EXUS, and moderated by Mrs. Niki Saliari, Chief of Customer Success of EXUS.
EXUS Highlights 20-Year Evolution: From “Debt Collection” to “Customer Care” Based on Trust
During the event, Mr. Marios Siappas, Chief Knowledge Officer of EXUS Mr. Marios highlighted that over the past twenty years, EXUS has helped financial institutions worldwide rethink how they collect and engage with customers in arrears. What began as a focus on recovery has become a mission grounded in relationship, empathy, and trust — reflected in EXUS’s belief that “we don’t just build software, we make collection heroes.”
He emphasized that collections sit at the intersection of regulation, emotion, and data, blending compliance with human insight and data-driven precision. The industry has moved from Operational Efficiency to Intelligent Decisioning and now to Customer-Centric Connection, where trust is the new currency. From EXUS’s global experience, people matter more than technology; behavioral segmentation outperforms risk models; and culture and governance drive improvement. Fast, iterative implementations deliver the quickest value. Using behavioral data lifts cure rates by 15–25%, early-intervention cuts delinquency by 40%, and unified omnichannel strategies and integrated agencies increase performance and trust.
Thailand Reaches Critical Turning Point: AI Will Be Central to Future Debt Management
Mr. Dimitris Papadopoulos, Chief Al Officer of EXUS, presented emerging trends in data and AI that are transforming Thailand’s collections sector. He noted that Thailand is at an inflection point, with household debt at around 87% of GDP and digital customer behaviour now fully mainstream through PromptPay and mobile-first interactions. He added that BOT’s AI risk framework and PDPA enforcement mean AI must be explainable, governed, and compliant. Thai financial institutions are already moving in this direction: major banks have launched AI-first and agentic AI roadmaps, GenAI assistants are live in retail banking apps, and data and ML platforms are being upgraded to enable hyper-personalisation and real-time decisioning, with the value pool for AI in servicing, credit, and operations already proven.
He explained that AI in collections is a full-stack challenge, which EXUS addresses through ML models, an AI Decision Engine, an AI Negotiator for 24/7 omnichannel engagement, and an AI Coach for agents, all with governance built in. He added that innovation continues, with EXUS exploring natural-language strategy creation, regulatory intelligence, and deep ecosystem integration.
EXUS is currently developing several new innovations, such as strategy creation through natural language without manual rule-writing, using GenAI to verify compliance with Bank of Thailand regulations before deployment, and seamlessly integrating data across all platforms. These advancements will elevate Thai financial institutions’ debt management efficiency to global standards in the near future.
EXUS Ready to Support Thailand Toward Efficient, Transparent, and Sustainable Debt Management System
The EXUS Executive Forum in Thailand represents another step forward for the company in creating a platform for deep knowledge exchange to support Thai financial institutions in adopting technology to enhance debt management, reduce credit risk, and improve customer experience. EXUS believes that the future success of Thailand’s debt management system must emerge from the integration of world-class technology, human understanding, and cross-sector collaboration to strengthen the Thai economy and help citizens sustainably restore their financial status in the long term.
EXUS Software
4 Felstead Gardens Cubitt Town
E14 3BS London, UK
Tel: +44 2 081237407
info@exus.co.uk
www.exus.co.uk
EXUS Software
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